Online services outage

We’re performing maintenance on our Claims Management System. As a result, some of our online services will not be available on Saturday, March 23, from 8 a.m. to 6 p.m. We apologize for any inconvenience.

How to reduce your premiums

While your base premium rate is set using the historical costs of injuries for your industry, you have the opportunity to earn a discount – or face a surcharge – for your own business based on how your claim costs compare to similar-sized firms in industries that share the same risk as yours.

How experience rating works

Your experience rating

Improve your experience rating

How experience rating works

The discount or surcharge, called your experience rating adjustment, allows us to ensure the costs of compensation for people injured at work are distributed fairly. This is how we determine it:

We determine your claim costs for the past three years.

We take into account the size of your business, based on your payroll.

We compare your claim costs per dollar of payroll, to the industry average.

If your claims are lower than those of competitors of the same size, you can earn discounts on your base premium rates – up to 50 percent over time.

If your claims are higher than those of competitors of the same size, you may face surcharges of up to 100 percent over time.

If you move your firm’s business operations (or a significant portion or aspect of them) to an affiliated successor, your experience rating will transfer to them.

Your experience rating

Every fall, we send you a letter that shows your base premium rate, your experience rating adjustment, and your net premium rate for the coming year. If you’ve had a claim, the letter will show how it affected your experience rating. You can also view your premium rate letter online.

Improve your experience rating

Reducing the costs of claims by creating a safer and healthier workplace and helping injured workers recover can improve your experience rating and reduce the amount you pay for insurance. Here are some resources to help you do so.

Help injured workers recover

Helping injured workers recover as soon and as safely as possible will lower your injury costs and, over time, will have a positive impact on your experience rating. Learn more about recovery and work.